Privacy Policy

Effective date: MM/DD/YYYY

The Privacy Policy of this website (hereinafter we, us, our, ours, Website, Site)
is the formal document, which determines and explains how the information of the
user (hereinafter User, Users, You, Your, Yours) is collected, stored, shared
and used on the Website. This document was elaborated to make formal guarantee
of the protection and security of the information provided on the Website.

This Privacy Policy determines the implication of the information, both personal
and non-personal, used on the Website. If You have already shared Your
information on the Website and want to eliminate Your details from any records
associated with the Website under our regulation and control, You can contact us
directly using the contact details we provide on the Website.

The services provided on the Website can be used only by the legal residents of
the United States over 18 years old. The operation of the Website is aligned
with federal, state and local laws of the USA. Thus, once You willingly register
on the Website by submitting Your information via the online form and accepting
this Privacy Policy and the Website Terms of Use, You confirm that You
understand that the use of the information You submit on the Site is governed by
these documents. For this reason, You are encouraged to study these documents
carefully prior to submitting Your information on the Website.

If You disagree with or misunderstand the clauses of the Terms
of Use and Privacy Policy of this Website and/or refuse to accept the provisions
of the documents stated above, You should cease using the services of the
Website and should not provide Your information and register on the Website via
online form or in any other way submit and share Your information on the
Website. If You have doubts regarding the use of the Website or its services,
You can contact us via the details we provide on the Website. If You willingly
refuse to use the Website, You should close this and other pages of this
Website.

I. Personally and Non-Personally Identifiable Information

In order to register on the Website and use its services, You need to provide
Your personally identifiable information (PII) via the online form on the
Website. The way this information is collected, stored, shared, and used is
determined by the provisions of this Privacy Policy. This information is
essential to provide You with the service You request by using the Website. If
You do not need to use the service of the Website or for some reason decide to
cease the use of the Website, You should not submit Your PII information on the
Website. PII includes but is not limited to the following information: Your
first and last names, address, email address, telephone number, date of birth,
employment information, Social Security number, other ID information, banking
information.

NB: SS number and banking information are used only to provide You with
the searching and connecting service and never shared with any third party
marketers and other third parties unless the opposite is determined by the law
or required according to special orders from the authorized parties (including
but not limited national security issues or alike).

Apart from PII, we collect Your non-personally identifiable information (NPII)
available upon Your using the Website regardless of submitting any personal
information on the Website. NPII includes but is not limited to the user’s
behavioral data, such as Internet Protocol (IP) data, browser details, geo
position, user’s operating system, the pages of referral and exiting, date and
time details, Internet service provider details etc. The NPII we collect from
You can be transmitted to the third parties we contract with unless You exploit
the means to hide Your NPII or express Your request to stop using Your NPII
directly.

i. The Use of Your PII

We collect, store, share and use Your PII information under the provisions of
this Privacy Policy. All the information You provide is protected by our top
security means and encryption methods. The information You submit by registering
for the services is used to perform search and connect with one or more lenders we
contract with who can provide You with the loan products You expressed Your
interest in. Your submission of the information is considered as an expressed
will to be connected with a lender or financial service provider. Additionally,
the information we collect can be used to contact You in order to provide with
the marketing information on the products You expressed You interest in.
Moreover, we can use this information to provide protection from potential
malicious activity and fraud in the Internet. We will collect, store, share and
use Your information only upon Your expressed consent You give while clicking
the respective button or ticking the box of consent, which authorizes us to use
Your information as set herein.

Some of Your PII (excluding SS number and other sensitive information such as
banking information) can be shared with some third parties we contract with in
case technical support is needed. These authorized third parties are liable for
keeping Your information secure and in no way can use it for any other purpose
but the purposes authorized according to the agreement we make, as well as are
in no way authorized to share Your information with other third parties. All the
activity performed with Your PII is bounded by the provisions of this Privacy
Policy and respective formal documents on this Website, as well as the
provisions of applicable international laws and the legislation of the USA.
Additionally, PII can be shared for consumer reporting with credit bureaus upon
Your prior authorization (consumer reporting authorization). However, this
procedure is performed by the lenders in a prerogative way, thus, regulated by
the legal documents concerning Your communication with Your lender and other
financial providers and has nothing to do with this agreement and the use of
this Site and its services.

Your PII can be shared with governmental entities, disclosed completely or
partially upon request from any authority or authorized organization if such
disclosure is lawful and considered necessary for these reasons:

it is ordered or required to comply with the legal processes;

it is obligatory to protect the property of the owner of the Website or its
affiliates and in no way contradicts applicable laws;

it is necessary to prevent crime and/or protect national security;

it is necessary to protect personal or public safety.

In case of merging, acquisition, consolidation or purchase of the owning company
and its assets, it is possible that Your PII may be transferred and, thus,
disclosed to the receiving party on the course of the stated actions. According
to the court’s decision on insolvency proceeding, if it takes place, in case of
liquidation of the owning company, the liquidating party or the authorized
representatives of the company can transfer, sell, dispose or license Your PII
within the provisions stated by this court’s decision. In this case, it is
possible that the owners of the PII shared on the Website will be notified of
the forthcoming procedures and modifications upfront or the notification will be
published openly on the Website. It is possible that acquisition, merging and
other stated modifications are associated with a non-US company.

ii. Third Party Marketing

It is possible that Your PII can partially (excluding such sensitive information
as SS number and banking and financial data) be shared for the marketing
purposes with some of third party marketers, lenders and advertisers, we
contract with. In this case, the receiving parties, as third part marketers, may
use this information and share it with other third party marketers who may
initiate marketing activity towards You in the way of presenting You the
products You have expressed Your interest previously while submitting Your
information. In case You decide to opt out from receiving such marketing
messages and/or offers, You can easily unsubscribe and eliminate Your
information from the lists compiled by these third party marketers to send You
messages simply by using an unsubscribe option (option button or link) in the
respective message. The means for marketing activity include but are not limited
to direct mail, short messages, online banner ads, telemarketing calls, emails
etc.). Apart from that, Your information can be used to track Your online
activity and collect Your online behavioral and searching information. This
activity is usually performed to improve the quality of the services presented
to You online and adjust marketing activity to Your requirements and needs.

Keep in mind that the way third party marketers use Your information is subject
to the provisions of their legal documentation and regulations, including but
not limited to the privacy policies and the terms of use of their websites and
services. For this reason, since we take no obligations for the manner Your
information can be used by these parties, we encourage You to acknowledge how
Your information is to be used according to the provisions of the legal
documentation of these third party marketers. If You wish to eliminate Your
information from any of the lists or databases of these third party marketers,
You should contact them directly.

By continuous use of the Website and attempt to use the services presented on the
Website, You expressly agree that You have read and understand the provisions of
the legal documents, which control the use of Your information on the Website,
and the terms of collecting, storing, sharing and using of You PII and the way
Your shared PII can be used by third party lenders and third party
marketers.

In order to discontinue contacting with us and receiving more information from
Us, You need to close this and all other Website pages. If You have already
shared Your personal information with us and want to opt out from further
communication and remove Your information from our lists and database, You can
contact us directly with respective request using this email address
contact@extralend.com or other contact information indicated on this Website.
Your request will be processed and the information removed from our database. As
soon as Your information is removed from out database, You can be sure it will
not be shared with any third party, used for any secondary purposes, or used for
marketing activities. Still, since the information has already been shared with
third party marketers, we cannot take any responsibility for the communication
sent to You by these third parties. You should contact third party marketers
directly to remove Your information from their databases.

iii. Credit Implication of the Use of PII

The information shared with our third party lenders can be used to verify Your
identity (via SS number and/or driving license number, for example) and Your
information against national databases. Additionally, the lenders we contract
with may need to perform credit verification and use Your PII to request a
credit report from one or more credit organizations, including but not limited
to the major credit bureaus, to determine Your credibility and assess the risks
associated with providing credit products to You. Credit report request may
lower Your credit score. If You continue using the Website and submit Your
information via the online form on the Website, You give Your express consent to
have Your information verified and Your credibility checked according to the
provisions of these third party lenders’ legal documents used to govern and
regulate their practices and communication with You.

iv. Email and Telemarketing

By agreeing to the Terms of Use and this Privacy Policy, You confirm that we and
third party lenders and marketers with whom Your information is shared according
to the provisions of this Privacy Policy can use Your PII for advertising
purposes, including but not limited to email and telemarketing advertising.

Your PII can be used for direct and indirect communication, including but not
limited to telemarketing calls, assistance calls and credit product and service
offers via the telephone number You have provided in the online form. Either we
or third party lenders and marketers can use this number even though it is
listed in any corporate, state, or federal Do-Not-Contact registry, suppression
lists or the like. Since Your submitting of the information via online form is
determined as an attempt to make a purchase or receive a service, the processing
and application of Your request is performed according to the provisions of
Amended Telemarketing Sales Rule, 16 CFR §310 et seq. (the "ATSR"). According to
ATSR, even if Your telephone number is listed in FTC Do-Not-Call List, we are
authorized to contact You upon Your given consent using telemarketing. Since
Your inquiry to third party marketers and request for the service on the Website
are also considered as a an attempt to make a purchase, according to ATSR these
third party marketers are also authorized to contact You using
telemarketing.

By giving Your consent to use the Website and provide Your information to use our
services, You confirm that You are at least 18 years old and legally authorized
to own and use a mobile device. You also confirm that You realize and understand
the liabilities and possible charges associated with Your participation in
telemarketing campaigns. Your service provider may also collect Your
information. These procedures and interaction with Your service provider are
regulated by the policies and terms stated by these organizations and have
nothing to do with this Privacy Policy and other regulating documents on this
Website.

v. The Means to Collect Non-Personally Identifiable Information

If You opt to use the Website or the Websites of third party lenders and
marketers, You may encounter the use of cookies, web beacons, pixel tags,
browser analysis tools and web server logs. These are small files or parts of
code, used to monitor and record the features of Your online activity, such as
Your geographical position, IP address, language preferences, click history,
browsing history, online behavior, You operating system and browser
specifications set. All this data is considered as Your non-personally
identifiable information (NPII) and collected and stored to provide the
customization of Your online activity.

Cookies

These are small unique files assigned by a Website server to the users of this
Website when these users make visit and perform activity on the Website (such as
linking and clicking). Once installed on the user’s computer, these cookies
collect the information about the user’s online behavior, browsing and user
experience details, and send it to us or third parties authorized to collect
this information from You. Cookies are used to enable user’s recognition, to
analyze user’s preferences and adjust the services provided online according to
the collected information. Additionally, these small files are able to detect
fraudulent activity and prevent security breach.

Cookies are of different size and length (temporary or permanent ones). Session
or temporary cookies are used for a single operation on the Website and erased
shortly after the user exits browser or website. Permanent or persistent cookies
are stored longer and survive the exit from webpage or browser. You can manually
manage Your cookies preference in Your browser’s options and delete these small
files if You consider it is necessary. More about cookies and cookies management
on http://www.cookiecentral.com/ and http://www.aboutads.info.

Pixel tags and web beacons

These small images are placed on webpages and emails to monitor the activity of
users. These features record the activity of the user during the session, thus,
enabling further adjustment and improvement of marketing campaigns and
promotions. More about beacons here:
www.webopedia.com/TERM/W/Web_beacon.html.

Log files are collected files, which store the information on IP address, browser
type, Internet service provider, platform type, date/time stamp, click records,
referring and exiting pages etc. These files are also used to provide adjustment
and improve user experience online and on websites in particular.

II. Privacy Management

In order to perform effective privacy management, we establish different
practices on how we use Your information. Apart from the techniques to upgrade
the level of Your online experience and the use of our service and the Website,
we provide the options to limit the volume of information You share or eliminate
Your information from our records upon Your request.

If You do not want Your NPII information to be collected, stored, shared or used,
You should exit the Website immediately. Still, it is possible that cookies,
beacons and other tracing files are automatically installed. In this case, You
can use Your browser preferences to delete the existing cookies manually, to
adjust the default settings and request notification for cookies, accept or
reject cookies, remove cookies from Your computer.

Since the Do-Not-Track protocol has not been established yet, information
security and privacy management is aligned with the provisions of this Privacy
Policy and related documents governing the use of this Website despite any
Do-Not-Track signals. If You wish to opt out from sharing with certain third
parties, You can go to www.networkadvertising.org/consumer/opt_out.asp to adjust
Your options individually.

Another way to opt out from tracking Your online behavior by third party
marketers is to unsubscribe from their email lists via corresponding links.

III. PII Security

Your PII is collected, stored, shared and used under strict compliance with
security and privacy protection regulations and practices. We shield Your PII
and all the activity performed on the Website from any attempt of malicious
activity, fraud, unauthorized use and other jeopardizing online practices. We
exploit electronic, physical and managerial security measures to provide overall
protection for the users of the Website and Website assets to avoid loss,
misuse, unauthorized modification or deformation of any information.

We limit access to the information and share Your PII strictly to the limit set
by Your consent on the provisions of this Privacy Policy and other regulative
means of the Website, as well as applicable laws. Within the company, Your PII
can be accessed only by the authorized users and is never used publically. All
the employees and other parties who have access to Your PII are obliged and
liable to provide its protection and security to the extent reasonably possible.
Non-compliance is subject to the disciplinary actions.

Nevertheless, no entity can unconditionally guarantee that Your online experience
will be 100% secured and no violation and/or illegal intervention can take
place. The owner of the Website cannot take responsibility for any illegal
activity, security breach, stolen or modified information, which happen beyond
the owner’s control. In order to guarantee protection from any malicious
activity from the outside, You can request to erase Your data from any listing
or database You consider insecure. At the same time, third party marketers who
receive Your PII are contractually responsible for protecting Your information
to the extent reasonably possible. We provide verification on the diligence of
our partners via multiple means and regulatory contracts and check their
information security policies. In case any violation takes place, applicable
laws and regulations are applied to manage the situation and eliminate possible
negative consequences.

IV. Information Collection from Children

The information from children under 18 years old is strictly banned and will not
be performed on the Website. We provide filters, which enable anyone of illegal
age to provide information on the Website. In case we detect any PII received
from a user under 18 years old, we will immediately delete this information.
According to the fact that we do not voluntarily collect, store, share or use
any PII from the users under 18 years old, we follow and comply with the
Children’s Privacy Protection Act ("COPPA") and this Privacy Policy is built in
consideration with the provisions of this Act.

V. E-consent

According to Federal Electronic Signatures in Global and national Commerce Act,
the users who give their consent and e-sign electronic documents thus agree to
receive documents, disclosures and notification in electronic format, provide
the information via electronic means and allow sharing of this information
according to the provisions of privacy policies, terms of use and other
applicable laws and regulations and conduct business electronically. Once a user
submits information through the Website, one gives consent to receive electronic
notifications, documents and disclosures as well as the information provided
directly on the Website and electronic communications with third party marketers
and lenders we contract with. Any of such electronic communication received
after providing Your e-consent should be considered “in writing” and have the
same force and effect. The copy should be printed for records.

We and third party marketers we contract with reserve the right to discontinue
the provisions of electronic documentation, notifications and other forms of
e-communication. In this case, the concerning users may be provided with prior
notification of the case of termination in accordance with the provisions state
in the policies and terms, regulating business relationship between the parts,
as well as other applicable laws and regulations. The hard copies of the
documents and records originated in the electronic form are not necessary to be
produced and/or stored for the purpose of facilitation and expense reduction.
All electronic records, disclosures and documents are to be destroyed according
to the routine schedule and procedural practices as it is determined by
regulatory requirements. Any of such electronic records can be considered and
recognized as a legitimate evidence to validate rights, agreements and
obligations, related to the parties bounded by the provisions of these
e-documents or pursuant to these records. The time for validation, legal force
and providing of such e-communication may differ.

VI. Links to Third Party Websites

The Website contains the links to third part websites, may contain the links to
the websites of third party marketers. Since it works as a service to provide access to lenders,
it may connect the users of the Website to third party lenders via links.
The privacy of the information provided by the users on external websites are
subject to the regulations stated on these sites and has nothing to do with this
Website. Additionally, these third parties have their own privacy policies and
regulative documents on their websites, and it is highly recommended to review
these legal documents and disclosures individually prior to sharing any PII on
their websites.

VII. Notifications for the Residents of Different States

We strictly follow the regulations and codes, both federal and state. The way PII
can be used is regulated in states differently. Some state regulations require
the party, which collects personal information, to disclose the complete
information on how and in what periods the collected information will be shared
and what other parties it will be transmitted to (individually and exclusively).
Additionally, it may be required to disclose what types of personal information
will be shared and in what manner it is supposed to be used by these third
parties. In case the user of the Website is the resident of the state, where
specific regulations are in force, we recommend to contact us directly using the
contacts we provide on the Website to get all the necessary information in
details. In this case, each request will be processed individually. We reserve
the right to deny the processing of such request if the enquiry was sent from
the user who legally reside in the state where such specific regulations are not
in force.

VIII. Modifications and Changes

The owner of the Website reserves the right to apply changes to this Privacy
Policy at own discretion and without prior notice. In case changes or
modifications take place, the renewed information will be posted on the Website
and the effective date of the document will be changed to the date of the most
recent update of the Privacy Policy. By default, all the information is to be
used according to the version of the Privacy Policy enforced at the time this
information was collected. The user has right to determine individually if this
rule is acceptable or not. Nevertheless, we encourage all the users of the
Website to revise the Privacy Policy information and follow the dates of
modifications to keep up to date and react in case it is deemed reasonable.

IX. Inquiries and Complaints

The users of the Website are within their rights to modify, amend and withdraw
their PII collected on the Website. In case it is necessary, the user who
decides to make changes to their own information should contact us via email
contact@extralend.com or other contact details stated on the Website and provide
inquiry regarding the modifications to be made. Similarly, if any user of the
Website has any complaint regarding the operation on the Website and/or any of
its service, this user should use the stated contact details and provide the
details of complaint. We will review all requests and complaints in the shortest
time possible and reply as soon as we can.

Disclaimer: This service is not a lender and therefore cannot
determine whether or not you are ultimately approved for a short term loan,
nor can we determine the amount of credit you may be offered.
Instead, we facilitate business relationships between consumers like you and
the lenders in our network. Our purpose and goal is to connect you with one or
more lenders from within our network who can provide you with the cash you
need in an emergency. We will never act as an agent or representative for
any of our lenders, so you can rest comfortably in the knowledge that you
will receive fair and competitive offers.

In order to request a short term loan through this website, you should
first fill out our short, easy and secure online form. Once you click to
submit it, this information will be forwarded throughout our network of
lenders who will review your details and determine whether or not they can
offer you a credit. Since each lender is different and we have no say in the
rates and fees you are charged for a loan, we urge you to take the time to
review the details of each offer you receive very carefully before you
accept or decline it. Once you have found a loan offer that works for you,
you will be asked to provide your electronic signature; this binds you into
a contract with the lender which means that you are legally obligated to
adhere to the terms in the loan agreement. You are never under any
obligation to accept an offer from any lender and you may cancel the process
at any time without penalty. We will not be held accountable for any charges
or terms presented to you by any lender and we are not responsible for any
business agreement between you and any lender.

We can not guarantee that completing an online form will result in your
being connected with a lender, being offered a loan product with satisfactory
rates or terms, or a loan product of the requested sum or on the desirable
terms, or receiving any approval from a lender in the first place.
Participating lenders may verify your social security number, driver license
number, national ID, or any other state or federal identifications and
review your information against national databases to include but not
limited to Equifax, Transunion, and Experian to determine credit worthiness,
credit standing and/or credit capacity. By submitting your information via
our online form on this website, you agree to allow any and all
participating lenders to verify your information and check your credit. Cash
transfer times and terms may vary from lender to lender. Not all the lenders
in our network can provide up to $1,000. The limits and regulations vary
from state to state. We remind that short-term loans are not a long term
financial solution.

To help government fight identity theft, the funding of
terrorism and money laundering activities, and to help attempt to verify a
customer’s identity, Lenders may obtain, verify, and record information that
identifies the customer.

APR Disclosure

The APR associated with your loan stands for the annual percentage rate, or
the amount of interest you will be expected to pay in relation to the length
of your loan term. Most of the time, the APR for short term loans ranges
from 260.71% to 1825.00%, though this can vary somewhat. Although the APR
associated with short term loans is higher than that associated with other
forms of credit, it is still considerably less than the charges associated
with overdrafts and nonsufficient funds. Please see below for a cost
comparison.

If you are unable to repay your loan on time for any reason, please
contact your lender as soon as possible. Late payment fees are set
by your lender in accordance with the regulations in your state, and
lenders also determine their own policies in regard to how they
handle late payments. There are several courses of action that your
lender may take, so you should check your loan agreement for
specific information that pertains to your lender.

Implications of Nonpayment

Financial Implications – The cost associated with short term loans
of up to $500 can range from 15% to 40%, and these costs may climb
even higher for loans that are greater than $500 in value. Before
you sign your agreement, you should check these fees carefully.
Similarly, there may also be charges applied for nonsufficient
funds. As an example, if your $100 loan is 15 days past due, you may
be assessed a charge that is equal to 10% of the principle balance
as well as a $25 nonsufficient funds fee.

Collection Practices

Many of the lenders in our network stick with in-house debt
collection practices rather than selling your debt to an outside
collection agency, and they will never sue you or threaten criminal
charges against you. Your lender may attempt to collect your debt
via email, postal mail, telephone, or text message, and they may
offer you a settlement so that you can repay your debt over time.
All of our lenders are required to adhere to the Fair Debt
Collection Practices Act which protects you from harassment. You can
contact your lender for more information about its specific
policies.

Impact on Credit Score

Lenders are within their rights to file reports with the three major
credit bureaus—Experian, Equifax and Transunion—if you fail to repay
your loan. This negative remark will lower your credit score and may
make it impossible for you to obtain short term loans or other forms
of credit in the future. However, once you have repaid your debt to
your lender in full, this will be reported to the credit agencies
and the negative remark will be removed from your credit history.

Renewal Policy

Some of the lenders in our network participate in what is known as
automatic loan renewal. Simply put, if your loan is beyond a
specific amount of time past due, your lender will rollover your
loan. This may be offered to you in addition to options like
repaying your loan in full at a later date or repaying your debt in
installments over time. The minimum term for an automatic renewal is
15 days and you will likely be required to pay renewal fees and
additional interest charges.